What’s a federal employee discount? How do I get it?
If you work for a government organization, you might qualify for a federal employee discount on your auto insurance policy. Auto insurance for federal employees typically costs around $151 per month or $1,812 annually. Currently, you can buy federal employee discount auto insurance from four national companies. As a result, drivers save 9% on average with affordable federal employee discount auto insurance rates.
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UPDATED: Jul 22, 2021
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- Four national auto insurance companies offer a federal employee discount to customers
- Drivers save an average of 9% on their annual premiums with this discount
- The average cost of insurance for federal employees is $151 per month or $1,812 per year
If you work for the government, you could earn a federal employee discount on your auto policy from four national providers.
Keep reading to discover how to compare auto insurance quotes and discount lists to determine if the federal employee discount is right for you.
After learning where to buy federal employee discount auto insurance, remember to enter your ZIP code into our free tool above to compare rates from the best providers in your area.
What auto insurance companies offer a federal employee discount to drivers?
Auto insurance for federal employees costs $151 per month or $1,812 annually on average.
Fortunately, civilian federal government employees are eligible to earn a discount from four national auto insurance companies.
Drivers typically save, on average, 9% with this discount through their insurance provider.
Take a look at the complete list below to verify if you already use a federal employee discount auto insurance company:
- Farmers Auto Insurance Company
- GEICO Auto Insurance Company – 8%
- Liberty Mutual Auto Insurance Company – 10%
- MetLife Auto Insurance Company
Local agencies near you may also offer this savings opportunity to customers.
When you work for the government, your occupation impacts your auto insurance rates by potentially earning you a discount.
But factors such as your age, driving record, and your coverage needs will also influence your total costs.
Therefore, to find your cheapest auto insurance company, compare quotes online from multiple providers.
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What is a federal employee discount?
A federal employee discount is a way to entice government workers to use specific insurance providers.
Government employees are also viewed as being responsible, and therefore, lower-risk to insure.
According to the U.S. Office of Personnel Management (OPM), 1,869,986 federal employees work across the country.
Who is considered a government employee? Politicians, civil servants, armed forces, police officers, and members of specific organizations are typically eligible.
If you’re a member of certain groups or organizations through your workplace, you’ll also qualify.
To earn this discount, provide proof of your employment to your insurer. You’ll then get a slight rate reduction on your annual premiums.
Be aware that eligibility rules and savings amounts vary by provider.
In some cases, you must be an active employee. Other companies, like GEICO, apply the rate reduction to both active and retired employees.
Government employee discounts are very common. Besides auto insurance, federal employees can also receive lower prices on:
- Clothing and retail
- Travel, hotels, and rental cars
- Cellphone service plans
- Vision, dental, and health plans
- Insurance and banking
- Recreational indoor and outdoor activities
- Sports, movies, and entertainment
Fortunately, there are other ways federal workers can save on their auto insurance policies.
For example, you can earn other auto insurance discounts for bundling your policies, being a safe driver, or being a low-mileage driver.
You might also consider a pay-per-mile or usage-based insurance program.
Federal Employee Discount: The Bottom Line
Auto insurance with a federal employee discount is typically 9% cheaper than average.
Therefore, government employees should ask their providers about a potential discount, primarily if you use one of the companies listed above.
Be sure to also compare quotes from other insurers to find your best possible prices.
Now that you’ve learned about affordable federal employee discount auto insurance rates, secure your cheapest quotes from the top companies near you by entering your ZIP code into our free tool below.